International Money Express (IMXI) AI Stock Analysis

• Market Cap: $301.27M
• Dividend Yield: N/A
• Average Volume (3M): 390.18K
• Price to Earnings (P/E): 5.8
• Beta (1Y): 0.93
• Revenue Growth: -1.90%
• EPS Growth: 0.05%
• Country: US
• Employees: 1,101
• Sector: Technology
• Sector Strength: 82
• Industry: Software - Infrastructure
• EPS (TTM): 0.35
• Shares Outstanding: 29,976,650
• 10 Day Avg. Volume: 366,935
• 30 Day Avg. Volume: 390,181
• PEG Ratio: 0.65
• Price to Book (P/B): 6.13
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 306.42
• Enterprise Value/Market Cap: 3.15
• Enterprise Value/Revenue: 0.39
• Enterprise Value/Gross Profit: 3.88
• Enterprise Value/Ebitda: 2.56
• 1Y Price Target: $15.25
• Price Target Upside: 55.14% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 6

• Rating: 61 Neutral
• Price Target: $11.00 ▲(11.90%Upside)

International Money Express demonstrates strong financial stability and digital growth, but faces challenges in sustaining revenue and cash flow. The technical indicators suggest a bearish trend, and while the stock seems undervalued, market uncertainties warrant caution.

Positive Factors

Competitive Position

IMXI's competitive position is viewed constructively.

Digital Expansion

Digital transaction growth accelerated from 70% in 1Q25 to 80% in April, indicating positive momentum in digital expansion.

Future Growth Strategy

Management intends to keep inline with outlined digital investment plans, which could position the company well for future growth despite current challenges.

Negative Factors

Market Sentiment

The private markets appear to have validated what the public markets have concluded about shares of IMXI, with no strategic or financial buyer willing to meet the Board’s valuation threshold.

Profitability Challenges

The shift in customer behavior, as customers sent fewer, higher value transactions, is a negative outcome for IMXI's profitability.

Retail Market Pressure

4Q results and 2025 guidance were negatively impacted by the ongoing retrenchment in the retail market and IMXI's decision to lean into digital marketing investments.

International Money Express Business Overview & Revenue Model

Company Description

International Money Express, Inc. (IMXI) is a leading provider in the remittance industry, specializing in money transfer services primarily between the United States and Latin American and Caribbean countries. The company focuses on offering fast, reliable, and affordable remittance solutions to a diverse customer base, including both individuals and businesses. IMXI leverages a robust network of agents and partners to facilitate cross-border transactions, ensuring accessibility and convenience for its users.

How the Company Makes Money

International Money Express generates revenue primarily through transaction fees charged to customers who use its money transfer services. These fees can vary based on the amount of money being sent, the destination country, and the mode of transfer. In addition to transaction fees, the company also earns income from foreign exchange gains, which occur when converting U.S. dollars to the local currency of the recipient's country. IMXI's extensive network of agents and partnerships with financial institutions and retailers enhances its service reach and contributes to its revenue streams. The company continuously seeks to expand its agent and partner network, improve technology offerings, and provide competitive pricing to maintain and grow its customer base.

International Money Express Financial Statement Overview

Summary

International Money Express demonstrates strong profitability and financial stability, with efficient operations and no debt burden. However, challenges in revenue growth and declining cash flow generation could impact future performance. Continuous monitoring of revenue trends and cash flow sustainability is recommended.

Income Statement

International Money Express shows strong profitability with a consistent Gross Profit Margin and Net Profit Margin in the TTM. However, there's a noticeable decline in revenue from 2023 to TTM, indicating a potential challenge in maintaining growth. The EBIT and EBITDA margins remain healthy, suggesting efficient cost management.

Balance Sheet

The balance sheet reflects a solid equity base and no debt in the TTM, indicating strong financial health and low leverage. However, the decrease in stockholders' equity from 2023 raises some concerns about capital retention and growth capacity.

Cash Flow

The company has a stable free cash flow position in the TTM, despite a reduction in operating cash flow compared to 2023. The absence of debt provides flexibility, but the declining operating cash flow suggests potential difficulties in sustaining cash generation.

Breakdown
TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
629.75M	658.65M	658.74M	546.80M	459.21M	357.21M
	Gross Profit
244.47M	161.43M	222.47M	182.00M	151.75M	118.61M
	EBIT
69.44M	95.02M	95.49M	82.91M	67.85M	52.87M
	EBITDA
103.55M	108.66M	108.36M	92.38M	77.34M	63.70M
	Net Income Common Stockholders
54.48M	58.82M	59.52M	57.33M	46.84M	33.78M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
151.76M	130.50M	239.20M	149.49M	132.47M	74.91M
	Total Assets
490.59M	462.38M	576.81M	512.07M	340.54M	259.47M
	Total Debt
0.00	181.67M	215.86M	178.48M	83.09M	87.62M
	Net Debt
-151.76M	51.17M	-23.34M	28.99M	-49.38M	12.72M
	Total Liabilities
164.88M	327.45M	427.77M	362.17M	197.50M	165.21M
	Stockholders Equity
139.24M	134.92M	149.04M	149.91M	143.04M	94.26M
Cash Flow		Free Cash Flow
24.30M	23.09M	130.72M	3.00M	67.51M	-4.94M
	Operating Cash Flow
46.13M	53.09M	143.53M	15.17M	78.10M	-880.00K
	Investing Cash Flow
-35.78M	-43.95M	-18.28M	-12.53M	-10.77M	-4.06M
	Financing Cash Flow
-74.28M	-114.20M	-37.12M	14.06M	-9.62M	-6.16M

International Money Express Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 9.83
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Positive
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IMXI, the sentiment is Negative. The current price of 9.83 is below the 20-day moving average (MA) of 10.92, below the 50-day MA of 11.50, and below the 200-day MA of 16.54, indicating a bearish trend. The MACD of -0.38 indicates Positive momentum. The RSI at 29.68 is Positive, neither overbought nor oversold. The STOCH value of 3.47 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IMXI.

International Money Express Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
EEFT	74 Outperform	$4.44B	14.78	25.00%	―	7.73%	19.76%
PAYS	73 Outperform	$275.97M	46.67	18.82%	―	26.77%	-13.24%
PAYO	73 Outperform	$2.38B	21.84	15.97%	―	14.86%	-0.94%
DLO	72 Outperform	$2.84B	22.05	26.10%	―	33.84%	0.29%
STNE	64 Neutral	$4.10B	8.73	-8.85%	―	-14.03%	-167.03%
Sector *	62 Neutral	$11.95B	9.93	-7.21%	4.85%	7.32%	-8.25%
IMXI	61 Neutral	$301.27M	5.80	39.27%	―	-1.90%	0.05%